ILLINOIS DEPARTMENT OF FINANCIAL AND PROFESSIONAL REGULATION€¦ · county, and zip code), loan...

ILLINOIS DEPARTMENT OF FINANCIAL AND

PROFESSIONAL REGULATION

Jorge A. Solis, Director Division of Banking

DEFAULT AND FORECLOSURE

REPORT OF STATE CHARTERED THRIFTS, COMMERCIAL BANKS, AND LICENSED

MORTGAGE SERVICERS

Default and Foreclosure Report July 1 thru December 31, 2008

June 12, 2009

TABLE OF CONTENTS Purpose of the Study Part Analysis of 2008 and 2007 Data Submitted to the Division of Banking including Reports, Charts and Graphs for State Chartered Thrifts, State Commercial Banks, and State Licensed Mortgage Servicers………..........................................................................................................................................

I

Institutions Reporting Foreclosure Loans with Interest Rates in Excess of 10% to 12% at Loan Origination; Institutions Reporting Loan Foreclosures within Eighteen Months of Loan Origination...

II

Comparative Analysis of Foreclosure Rate for the Standard Metropolitan Service Area (SMSA) versus State of Illinois Foreclosure Rate for 2008 and 2007……………………………………………………

III

Comparative Analysis of Dollar Amount of Loans in Portfolio versus Dollar Amount of Foreclosures Filed and Foreclosures Completed ………………………………………………………………………

IV

Analysis of Overall Foreclosures Reports for 2008 and 2007…………………………………………… V Default and Foreclosures Submitted by all institutions for 2008/2007………………………………… Vl

Appendix A… State-wide Foreclosures of all 102 Counties by zip-codes.

Appendix B… Analysis of 2008 Foreclosures for all Cook County Zip-Codes.

Appendix C…Geographic Charts Identifying Foreclosure Filings by Cities, Counties and Zip-Codes,

Defined Ranges, Separated Ranges and Logarithmic Scale

Appendix D…Statewide Foreclosure Filings and Foreclosure Completions for 2008 including County,

City, Zip-Code, Application Date, Interest Rate, Loan Rate, Loan Date, and Loan Amount.

Appendix E…Statewide Institutions Reporting High Interest Loans for 2008, including County, City,

Application Date, Interest Rate, Loan Date, Loan Amount and Loan Types.

1

OVERVIEW

This study collects default and foreclosure data from institutions regulated by the Illinois Department of Financial and Professional Regulation (IDFPR), Division of Banking, (DOB), for calendar year 2008. Part I of this study collectively identifies and analyzes all of the data submitted to this Office. Part II identifies the number of institutions and the number of reported foreclosures whose rates were 10% to 12% or greater at the time of loan origination; .also, the number of institutions and reported loan foreclosures within eighteen months of loan origination. Part I11 includes a comparative analysis of the foreclosure rate for the Standard Metropolitan Service Area (SMSA) which includes Cook, DuPage, Lake, Mc Henry, Will, and Kane counties versus the State of Illinois foreclosure rate for those entities regulated by DOB. The time frame covers 2008-2007. Part 1V includes a comparative analysis of dollar amount of loans in portfolio versus dollar amount of foreclosures filed and foreclosure completions for 2008 and 2007. Part V includes an overall analysis of foreclosure reports for 2008 and 2007. Part Vl will identify all foreclosure filings in all Cook County zip-codes for 2008. . The following data was requested from each reporting entity.

• the number of loans serviced by the reporting entity • the dollar amount of loans serviced by the reporting entity • the number of loans in default • the dollar amount of loans in default • the number of loans foreclosed • identify any of the loans that foreclosed within 18 months of loan origination • identify any of the loans foreclosed on had a first lien interest rate of more than 10% or a second lien

interest rate of more than 12 % • addresses of all defaults • addresses of all foreclosure filings and completions • dates of all foreclosure filings • dates of all foreclosure completions • loan amount of all foreclosures • zip-code, city and county of all foreclosures

While all of the data will be used in analysis, this summary will focus on the foreclosure information, the relationship to the servicing portfolios of Illinois institution’s home loans. Detailed charts identifying total portfolio amount of loans, number of loans, and size of loans versus the foreclosure rates are identified on pages (13 thru 24) for 2008, and on pages (27 thru 38) for 2007 . Entities regulated by DOB reported 13,992 foreclosures filed for the second-half of 2008, versus 16,941 foreclosures filed for the second- half of 2007.

2

The total number of foreclosures filed for the second-half of 2008 was as follows: State Chartered Thrifts 59; State Chartered Banks 651; and State Licensed Mortgagees 13,282. The total number of foreclosures closed was as follows: State Chartered Thrifts 43; State Chartered Banks 309; and State Licensed Mortgagees 6,323. The amount of foreclosures reported in the second-half of 2008 with interest rates of 10% to 12% or greater was as follows; State Chartered Thrifts 0; State Chartered Banks 0; and State Licensed Mortgagees 660.These reports can be viewed on page 39 (Exhibit A). The amount of foreclosures reported for the second-half of 2008 that foreclosed within eighteen months of loan origination was as follows; State Chartered Thrifts 1; State Chartered Banks 23; and State Licensed Mortgagees 536. These reports can be viewed on page 40, (Exhibit B). On pages 41 and 42 (Exhibits C and D) you will find the 2008 foreclosure filings for the Standard Metropolitan Service Area (SMSA). This data was acquired from the (SMSA), which has the most populous counties in the State relative to foreclosure filings in these areas. This data acquired was used to extrapolate figures to estimate state wide foreclosure filings for 2008. .

3

Default and Foreclosure Analysis of State Chartered Financial Institutions in the State of

Illinois for FY 2008 and 2007

NUMBER OF INSTITUTIONS REPORTING CALENDAR 2008 Institution January thru June July thru December

State Chartered Thrifts (SCT) 41 39

State Commercial Banks (SCB) 440 434

State Licensed Mortgage Servicers (SLMS) 111 115

NUMBER OF INSTITUTIONS REPORTING CALENDAR 2007 Institution January thru June July thru December

State Chartered Thrifts (SCT) 44 42

State Commercial Banks (SCB) 444 443

State Licensed Mortgage Servicers (SLMS) 115 115

All institutions responding to the following questionnaire can be reviewed in Appendix B.

4

Illinois Department of Financial and Professional Regulation Division of Banking

DEFAULT AND FORECLOSURE REPORT For the period January 1 – June 30, 2008

DUE DATE: October 1, 2008

INSTITUTION NAME: _______________________________________________________________________________________ INSTITUTION ADDRESS: _____________________________________________________________________________________

Please provide the following items of information on a consolidated financial accounting basis for your institution. Please refer to the attached instructions for tips in completing this form. Please report dollar amount of loans to the actual dollar amount, DO NOT TRUNCATE.

1. Provide the number of conventional 1-4 family mortgage loans secured by Illinois property serviced by your institution calculated as a quarterly average for the six months ending June 30, 2008.

1(A) Dollar amount of loans $___________________

1(B) Number of loans ____________

2. Loans reported in #1 above that were in default over 90 days calculated as a quarterly average for the six months ending June 30, 2008.



3. Foreclosures on 1-4 family conventional loans that were FILED and foreclosures that were COMPLETED by your institution for the six months ending June 30, 2008.

3(A) Dollar amount of loans FILED $___________________

Dollar amount of loans COMPLETED $_________________3(B) Number of loans FILED ____________

Number of loans COMPLETED ____________ Please answer the following questions: YES NO

Were any of the loans, where a foreclosure was completed as reported above in #3 originated less than eighteen months before the completion date of the foreclosure? If yes, please indicate the total number. _______________

Did any loans, where a foreclosure was completed, as reported in #3, at the time of origination, have a note rate of greater than 10% in the case of first lien mortgage loan or a note rate of greater than 12% in the case of a junior lien? If yes, please indicate the total number. _______________

(CONTINUED ON REVERSE SIDE)

This form is implemented and authorized by Section 115 of the High Risk Home Loan Act (815 ILCS 137). Disclosure of this information is REQUIRED. Failure to provide information could result in fines of up to $10,000 per occurrence. This form has been approved by the Agency Forms Coordinator.

PAT QUINN Governor

Acting Secretary Michael T. Mc Raith

Director of Banking

Jorge A. Solis

5

DEFAULT AND FORECLOSURE REPORT FORECLOSURE REPORTING On a separate attachment, please list EACH foreclosure filing and EACH foreclosure completion by property address (city, county, and zip code), loan date, foreclosure date, loan amount, and foreclosure status, pending or closed for the period covering January 1 – June 30, 2008. (See “Foreclosure Report” form). All information submitted must be COMPLETE. IF YOU FILED ANYTHING OTHER THAN “0” FOR QUESTION #3, THE APPROPRIATE FORM MUST BE COMPLETED. IF THERE ARE MORE THAN 10 PROPERTIES REPORTED, PLEASE SUBMIT THE INFORMATION ON AN ELECTRONIC SPREADSHEET.

HIGH RISK HOME LOAN REPORTING On a separate attachment, please identify all high risk home loans (home equity loans), in which at time of origination, the annual percentage rate exceeds by more than six percentage points in the case of a first lien mortgage, or more than 8 percentage points in the case of a junior mortgage, the yield on U.S. Treasury securities having comparable periods of maturity to the loan, maturity as of the fifteenth day of the month immediately preceding the month in which the application for the loan is received by the lender, or the total points and fees payable by the consumer at or before closing will exceed the greater of 5% of the total loan amount or $800 for the period covering January 1 – June 30, 2008. (See “High Risk Home Loan Report” form). All information submitted must be COMPLETE.

IF YOU FILED ANYTHING OTHER THAN “0” FOR QUESTION #3, THE APPROPRIATE FORM MUST BE COMPLETED. IF THERE ARE MORE THAN 10 PROPERTIES REPORTED, PLEASE SUBMIT THE INFORMATION ON AN ELECTRONIC SPREADSHEET.

I hereby attest that the above information is true and correct to the best of my knowledge and belief.

Signature of Officer of Institution Date Print Name and Official Title Telephone

6

DEFAULT AND FORECLOSURE REPORT INSTRUCTIONS GENERAL INSTRUCTIONS

• MAKE CERTAIN YOU HAVE FILLED IN THE (COMPLETE) INSTITUTION NAME AND ADDRESS AT THE TOP OF THE REPORT.

• Consolidated financial accounting basis means that you are to include information from all operating subsidiaries, service corporations, etc., using generally accepted accounting principles (GAAP).

• Average quarterly reports – The contemplated calculations for lines 1(A), 1(B), 2(A) and 2(B) calls for loan information, normally shown on quarterly call reports for banks and thrifts or other quarterly reports for licensees, to be averaged. For example, if the dollar amount of 1-4 family conventional loans on your entity’s books were $100,000 on March 31 and $120,000 on June 30, then the entry on line 1(A) would be $110,000. What is desired is a number that reflects an average throughout the reporting period rather than activity on a specific date such as June 30. If, in lieu of quarterly reports, some other average method is used (monthly, weekly, etc.), please explain in a separate attachment. Please report dollar amount of loans to the actual dollar amount, DO NOT TRUNCATE.

INSTRUCTIONS SPECIFIC TO LINE 1(A) • Conventional 1-4 family mortgage loans are loans that were not insured by the Veterans

Administration (VA), the Farmers Home Administration (FHA) or the United States Department of Housing and Urban Development (HUD).

• Include loans that are first and subordinate liens. • If it would be difficult to separate the dollar amount of loans on Illinois properties from non-Illinois

properties, it is permissible to estimate the dollar amount of loans that are Illinois properties and place this number on line 1(A). If an estimate of Illinois properties is provided, please explain in a separate attachment.

INSTRUCTIONS SPECIFIC TO LINE 1(B) • If you are unable to provide the actual number of Illinois loans to answer this question, you may

estimate the number Illinois loans. If an estimate of the actual number of Illinois loans is provided, please explain in a separate attachment.

INSTRUCTIONS SPECIFIC TO LINE 3(A) and 3(B) • If you are unable to provide the actual number and dollar amount of Illinois foreclosures filed and

foreclosures completed to answer this question, you may estimate the number and dollar amount of Illinois foreclosed loans filed and foreclosed loans completed. If an estimate of the number and dollar amounts of Illinois foreclosures filed and foreclosures completed are provided, please explain in a separate attachment.

INSTRUCTIONS SPECIFIC FORECLOSURE REPORTING • Reporting format should include the same items as found in the “Foreclosure Report” form. All

information submitted must be complete. INSTRUCTIONS SPECIFIC HIGH RISK HOME LOAN REPORTING • Reporting format should include the same items as found in the “High Risk Home Loan Report”

form. All information submitted must be complete.

7

Illinois Department of Financial and Professional Regulation Division of Banking

DEFAULT AND FORECLOSURE REPORT For the period July 1 – December 31, 2008

DUE DATE: April 1, 2009.

INSTITUTION NAME: _______________________________________________________________________________________ INSTITUTION ADDRESS: _____________________________________________________________________________________

Please provide the following items of information on a consolidated financial accounting basis for your institution. Please refer to the attached instructions for tips in completing this form. Please report dollar amount of loans to the actual dollar amount, DO NOT TRUNCATE.

1. Provide the number of conventional 1-4 family mortgage loans secured by Illinois property serviced by your institution calculated as a quarterly average for the six months ending December 31, 2008.



2. Loans reported in #1 above that were in default over 90 days calculated as a quarterly average for the six months ending December 31, 2008.



3. Foreclosures on 1-4 family conventional loans that were FILED and foreclosures that were COMPLETED by your institution for the six months ending December 31, 2008.

3(A) Dollar amount of loans FILED $___________________

Dollar amount of loans COMPLETED $_________________3(B) Number of loans FILED ____________

Number of loans COMPLETED ____________ Please answer the following questions: YES NO

Were any of the loans, where a foreclosure was completed as reported in #3 originated less than eighteen months before the completion date of the foreclosure? If yes, please indicate the total number. _____________________

Did any loan, where a foreclosure was completed as reported above in #3, at the time of origination, have a note rate of greater than 10% in the case of first lien mortgage loan or a note rate of greater than 12% in the case of a junior lien? If yes, please indicate the total number. _______________

(CONTINUED ON REVERSE SIDE)

This form is implemented and authorized by Section 115 of the High Risk Home Loan Act (815 ILCS 137). Disclosure of this information is REQUIRED. Failure to provide information could result in fines of up to $10,000 per occurrence. This form has been approved by the Agency Forms Coordinator.

PAT QUINN Governor

Acting Secretary

Michael T. Mc Raith

Director Division of Banking Jorge A. Solis

8

DEFAULT AND FORECLOSURE REPORT FORECLOSURE REPORTING On a separate attachment, please list EACH foreclosure filing and EACH foreclosure completion by property address (city, county, and zip code), loan date, foreclosure date, loan amount, and foreclosure status, pending or closed for the period covering July 1 – December 31, 2008. (See “Foreclosure Report” form). All information submitted must be COMPLETE. IF YOU FILED ANYTHING OTHER THAN “0” FOR QUESTION #3, THE APPROPRIATE FORM MUST BE COMPLETED. IF THERE ARE MORE THAN 10 PROPERTIES REPORTED, PLEASE SUBMIT THE INFORMATION ON AN ELECTRONIC SPREADSHEET.

HIGH RISK HOME LOAN REPORTING On a separate attachment, please identify all high risk home loans (home equity loans), in which at time of origination, the annual percentage rate exceeds by more than six percentage points in the case of a first lien mortgage, or more than 8 percentage points in the case of a junior mortgage, the yield on U.S. Treasury securities having comparable periods of maturity to the loan, maturity as of the fifteenth day of the month immediately preceding the month in which the application for the loan is received by the lender, or the total points and fees payable by the consumer at or before closing will exceed the greater of 5% of the total loan amount or $800 for the period covering July 1 – December 31, 2008. (See “High Risk Home Loan Report” form). All information submitted must be COMPLETE.

IF YOU FILED ANYTHING OTHER THAN “0” FOR QUESTION #3, THE APPROPRIATE FORM MUST BE COMPLETED. IF THERE ARE MORE THAN 10 PROPERTIES REPORTED, PLEASE SUBMIT THE INFORMATION ON AN ELECTRONIC SPREADSHEET.

I hereby attest that the above information is true and correct to the best of my knowledge and belief.

Signature of Officer of Institution Date Print Name and Official Title Telephone

9

DEFAULT AND FORECLOSURE REPORT INSTRUCTIONS GENERAL INSTRUCTIONS

• MAKE CERTAIN YOU HAVE FILLED IN THE (COMPLETE) INSTITUTION NAME AND ADDRESS AT THE TOP OF THE REPORT.

• Consolidated financial accounting basis means that you are to include information from all operating subsidiaries, service corporations, etc., using generally accepted accounting principles (GAAP).

• Average quarterly reports – The contemplated calculations for lines 1(A), 1(B), 2(A) and 2(B) calls for loan information, normally shown on quarterly call reports for banks and thrifts or other quarterly reports for licensees, to be averaged. For example, if the dollar amount of 1-4 family conventional loans on your entity’s books were $100,000 on March 31 and $120,000 on June 30, then the entry on line 1(A) would be $110,000. What is desired is a number that reflects an average throughout the reporting period rather than activity on a specific date such as June 30. If, in lieu of quarterly reports, some other average method is used (monthly, weekly, etc.), please explain in a separate attachment. Please report dollar amount of loans to the actual dollar amount, DO NOT TRUNCATE.

INSTRUCTIONS SPECIFIC TO LINE 1(A) • Conventional 1-4 family mortgage loans are loans that were not insured by the Veterans

Administration (VA), the Farmers Home Administration (FHA) or the United States Department of Housing and Urban Development (HUD).

• Include loans that are first and subordinate liens. • If it would be difficult to separate the dollar amount of loans on Illinois properties from non-Illinois

properties, it is permissible to estimate the dollar amount of loans that are Illinois properties and place this number on line 1(A). If an estimate of Illinois properties is provided, please explain in a separate attachment.

INSTRUCTIONS SPECIFIC TO LINE 1(B) • If you are unable to provide the actual number of Illinois loans to answer this question, you may

estimate the number Illinois loans. If an estimate of the actual number of Illinois loans is provided, please explain in a separate attachment.

INSTRUCTIONS SPECIFIC TO LINE 3(A) and 3(B) • If you are unable to provide the actual number and dollar amount of Illinois foreclosures filed and

foreclosures completed to answer this question, you may estimate the number and dollar amount of Illinois foreclosed loans filed and foreclosed loans completed. If an estimate of the number and dollar amounts of Illinois foreclosures filed and foreclosures completed are provided, please explain in a separate attachment.

INSTRUCTIONS SPECIFIC FORECLOSURE REPORTING • Reporting format should include the same items as found in the “Foreclosure Report” form. All

information submitted must be complete. INSTRUCTIONS SPECIFIC HIGH RISK HOME LOAN REPORTING • Reporting format should include the same items as found in the “High Risk Home Loan Report”

form. All information submitted must be complete.

10

An evaluation and assessment of all the data gathered from the aforesaid questionnaire, from State Chartered Thrifts, State Chartered Commercial Banks, and State Licensed Mortgage Servicers will attempt to answer the following: A. STATE CHARTERED THRIFTS (SCT), STATE CHARTERED COMMERCIAL BANKS

(SCB) AND STATE LICENSED MORTGAGE SERVICERS (SLMS) COMPARATIVE ANALYSIS 2008-2007 (pages 11, 12, 25 and 26). 1. The percentage foreclosure and default rate vs. the dollar amount of loans in portfolio. 2. The percentage rate for loans in foreclosure and also not in foreclosure. 3. The percentage for loans in default. 4. The number of institutions reporting loans at the time of origin which were at10% to 12% or greater. 5. The average loan size vs. foreclosure and default. 6. Number of loans vs. foreclosure and default.

B. AN ANALYSIS OF FORECLOSURE RATE FOR THE STANDARD METOPOLITON

SERVICE AREA (SMSA) versus STATE OF ILLINOIS FORECLOSURE RATE A comparative analysis of the FY 2008 and 2007 foreclosure rate for the State of Illinois versus the Standard Metropolitan Service Area (SMSA), containing the highest populated counties in the state which comprise two- thirds of the state’s population according to the U.S. Census Bureau 2000. See pages 41and 42, (Exhibits C and D)

11

COMPARATIVE ANALYSIS – 1st HALF 2008

State CharterThriftsState Charter

Banks State License

Servicers

Dollar Amount of Loans in Portfolios $3,180,433,514 $25,727,240,606 $98,183,509,450

Number of Loans 43,230 340,702 675,379

Dollar Amount of Loans in Default $28,245,338 $183,046,045 $11,459,425,385

Number of Loans in Default 258 2,014 49,122

Dollar Amount of Foreclosures Filed $7,107,937 $85,488,312 $2,951,868,830

Dollar Amount of Foreclosures Closed $2,622,964 $26,935,149 $1,210,415,127

Number of Foreclosures Filed 54 549 15,267

Number of Foreclosures Closed 35 265 6,476

Loans Originated Less Than 18 months Foreclosure as reported in #3 4 26 1120

Loans With Rate Greater than 10% as Reported in # 3 0 2 662

Percentage of Loans in Foreclosures Filed 0.08% 0.16% 2.26%

Percentage of Loans Not in Foreclosure 99.92% 99.84% 97.74%

Percentage of Loans in Default 0.89% 0.71% 11.67%

Number of Institutions Reporting 41 440 111

Average Loan Size $73,570 $75,512 $145,375

Average Loan Size for Loans in Default $110,225 $90,886 $233,284

Average Loan Size for Loans in Foreclosure Filed $131,628 $155,716 $193,349

See detailed chart pages 13 thru 24.

12

COMPARATIVE ANALYSIS – 2nd HALF 2008

State CharterThriftsState Charter

Banks State License

Servicers


Number of Loans 39,689 320,378 625,559







Loans Originated Less Than 18 Months Before Foreclosure 1 23 536

Loans With Greater than 10% As Reported in #3 0 0 660

Percentage of Loans in Foreclosure Filed 0.15% 0.20% 2.10%

Percentage of Loans Not in Foreclosure 99.85% 99.80% 97.90%




Average Loan Size for Loans in Default $123,735 $126,199 $114,056

Average Loan Size for Loans in Foreclosure Filed $156,829 $162,417 $188,770

See detailed chart pages 13 thru 24.

Chart 1

$25 7

$98.1

$40

$50

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$90

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4%

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eLoans in Billions vs. Foreclosure Rate as a

Percentage of the Loans Serviced

pg. 13

0.12% 0.16%

2.26%

$3.1

$25.7

$98.1

$0

$10

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Chart 2

pg. 14

0.89%0.71%

$3.1

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Loans in Billions vs. Default Rate

Default Rate Loans in Billions

Chart 3

340,702

675,379

300,000

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800,000

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Number of Loans vs. Foreclosure Rate

pg. 15

0.12% 0.16%

2.26%

43,230

340,702

675,379

0

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Foreclosure Rate Number of Loans

Chart 4

340,702

675,379

300,000

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Number of Loans vs. Default Rate

pg. 16

0.89%0.71%

43,230

340,702

675,379

0

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Chart 5

$73,338 $75,512

$145,375

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

4%

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Average Loan Size vs. Foreclosure Rate

pg.17

0.12% 0.16%

2.26%

$73,338 $75,512

$145,375

$0

$20,000

$40,000

$60,000

$80,000

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SCT 1h 2008 SCB 1h 2008 SLM 1h 2008

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Foreclosure Rate Average Loan Size

Chart 6

$73,338

$75,512

$145,375

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

4%

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Average Loan Size vs. Default Rate

0

pg.18

0.89%0.71%

$73,338

$75,512

$145,375

$0

$20,000

$40,000

$60,000

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$120,000

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SCT 1h 2008 SCB 1h 2008 SLM 1h 2008

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Default Rate Average Loan Size

0

Chart 7

$28.5$30

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pg.19

0.15% 0.20%

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SCT 2h 2008 SCB 2h 2008 SLM 2h 2008

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Chart 8

pg. 20

0.89% 0.79%

$3.1

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SCT 2h 2008 SCB 2h 2008 SLM 2h 2008

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eLoans in Billions vs. Default Rate


Chart 9

320,378

625,559

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pg. 21

0.15% 0.20%

2.10%

39,689

320,378

625,559

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Chart 10

320,378

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10%

Num

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0.8

pg.22

0.89% 0.79%

39,689

320,378

625,559

0

100,000

200,000

300,000

400,000

500,000

600,000

700,000

0%

1%

2%

3%

4%

5%

6%

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8%

9%

10%

SCT 2h 2008 SCB 2h 2008 SLM 2h 2008

Num

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e



0.8

Chart 11

$79,268$89,239

$169,413

$60 000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

4%

5%

6%

7%

8%

9%

10%

Aver

age

Loan

Siz

e

Fore

clos

ure

Rat

eAverage Loan Size vs. Foreclosure Rate

pg.23

0.15% 0.20%

2.10%

$79,268$89,239

$169,413

$0

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

0%

1%

2%

3%

4%

5%

6%

7%

8%

9%

10%

SCT 2h 2008 SCB 2h 2008 SLM 2h 2008

Aver

age

Loan

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Fore

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Chart 12

$79,268

$89,239

$169,413

$60 000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

4%

5%

6%

7%

8%

9%

10%

Aver

age

Loan

Siz

e

Def

ault

Rat

eAverage Loan Size vs. Default Rate

pg.24

0.89% 0.79%

$79,268

$89,239

$169,413

$0

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

0%

1%

2%

3%

4%

5%

6%

7%

8%

9%

10%

SCT 2h 2008 SCB 2h 2008 SLM 2h 2008

Aver

age

Loan

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Def

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Rat



25

PART l

COMPARATIVE ANALYSIS – 1st HALF 2007

State Charter

ThriftsState Charter

Banks State License

Servicers


Number of Loans 44,097 322,174 618,180




Dollar Amount of Foreclosures Closed $1,073,748 $14,449,979 $657,871,745



Loans Originated Less Than 18 Months Before Foreclosure 1 9 836

Loans With Rate Greater than 10% as Reported In #3 0 1 4,343


Percentage of Loans NOT in Foreclosure 99.93% 99.87% 98.00%




Average Loan Size for Loans In Default $66,427 $122,524 $131,325

Average Loan Size for Loans in Foreclosure Filed $73,705 $105,268 $170,650 See detailed charts pages 27 thru 38.

26

COMPARATIVE ANALYSIS – 2nd HALF 2007

State Charter State Charter State License

Thrifts Banks ServicersDollar Amount of Loans in Portfolios $3,118,627,093 $28,598,576,959 $98,977,891,480

Number of Loans 42,463 317,707 645,288






Number of Foreclosures Closed 26 270 5,562 Loans Originated Less Than 18 Months Before Foreclosure, as reported in #3 1 21 1,181

Loans With Rate Greater than 10% as Reported In #3 0 2 863


Percentage of Loans NOT in Foreclosure 99.87% 99.84% 97.50%




Average Loan Size for Loans In Default $78,217 $85,843 $145,916

Average Loan Size for Loans in Foreclosure Filed $119,222 $111,912 $182,554 See detailed charts pages 27 thru 38.

Chart 13

$91.6

$40

$50

$60

$70

$80

$90

$100

4%

5%

6%

7%

8%

9%

10%

Loan

s in

Bill

ions

Fore

clos

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pg. 27

0.07% 0.13%

2.00%

$3.1

$24.2

$91.6

$0

$10

$20

$30

$40

$50

$60

$70

$80

$90

$100

0%

1%

2%

3%

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SCT 1h 2007 SCB 1h 2007 SLM 1h 2007

Loan

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Chart 14

pg. 28

0.57% 0.68%

4.79%

$3.1

$24.2

$91.6

$0

$10

$20

$30

$40

$50

$60

$70

$80

$90

$100

0%

1%

2%

3%

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5%

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7%

8%

9%

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SCT 1h 2007 SCB 1h 2007 SLM 1h 2007

Loan

s in

Bill

ions

Def

ault

Rat

e

Loans in Billions vs. Default Rate


Chart 15

322,174

618,180

300,000

400,000

500,000

600,000

700,000

4%

5%

6%

7%

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Num

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pg. 29

0.07% 0.13%

2.00%

44,097

322,174

618,180

0

100,000

200,000

300,000

400,000

500,000

600,000

700,000

0%

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SCT 1h 2007 SCB 1h 2007 SLM 1h 2007

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Chart 16

4.79%

322,174

618,180

300,000

400,000

500,000

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700,000

4%

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pg. 30

0.57% 0.68%

4.79%

44,097

322,174

618,180

0

100,000

200,000

300,000

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500,000

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700,000

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Chart 17

$73,705

$105,268

$170,650

$60 000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

4%

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Aver

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pg.31

0.07% 0.13%

2.00%

$73,705

$105,268

$170,650

$0

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

0%

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SCT 1h 2007 SLM 1h 2007 SLM 1h 2007

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Chart 18

4.79%

$66,427

$122,524$131,325

$60,000

$80,000

$100,000

$120,000

$140,000

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pg.32

0.57% 0.68%

4.79%

$66,427

$122,524$131,325

$0

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

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SCT 1h 2007 SCB 1h 2007 SLM 1h 2007

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Chart 19

2 50%$28.6

$98.9

$30

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$60

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pg.33

0.13% 0.16%

2.50%

$3.1

$28.6

$98.9

$0

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SCT 2H 2007 SCB 2H 2007 SLM 2H 2007

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Chart 20

pg. 34

0.58% 0.58%

5.74%

$3.1

$28.6

$98.9

$0

$10

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$100

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SCT 2H 2007 SCB 2H 2007 SLM 2H 2007

Loan

s in

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eLoans in Billions vs. Default Rate


Chart 21

317,707

645,288

300,000

400,000

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700,000

4%

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pg. 35

0.13% 0.16%

2.50%

42,463

317,707

645,288

0

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Chart 22

5.74%

317,707

645,288

300,000

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4%

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pg.36

0.58% 0.58%

5.74%

42,463

317,707

645,288

0

100,000

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SCT 2H 2007 SCB 2H 2007 SLM 2H 2007

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Chart 23

$73,443

$90,016

$153,386

$60 000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

4%

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pg.37

0.13% 0.16%

2.50%

$73,443

$90,016

$153,386

$0

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

0%

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SCT 2H 2007 SCB 2H 2007 SLM 2H 2007

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Chart 24

5.74%

$73,443

$90,016

$153,386

$60 000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

4%

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Aver

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pg.38

0.58% 0.58%

5.74%

$73,443

$90,016

$153,386

$0

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

0%

1%

2%

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SCT 2H 2007 SCB 2H 2007 SLM 2H 2007

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39

PART II

EXHIBIT A

STATE CHARTERED THRIFTS (SCT) STATE CHARTERED-COMMERCIAL BANKS (SCB) STATE-LICENSED MORTGAGE SERVICERS (SLMS) REPORTING TOTAL NUMBER OF LOANS

TOTAL NUMBER OF FORECLOSURES FILED AND FORECLOSURES CLOSED NUMBER OF LOANS ON WHICH THEY FORECLOSED FOR 2008 WITH HIGH INTEREST RATES OF 10% TO

12% AT TIME OF LOAN ORIGINATION*

REPORTING INCLUDES July 1st thru December 31st, 2008

SCTS SCBS SLMS

Number of institutions reporting foreclosure filings and completions for second-half of 2008. 39 434 115

Number of loans second-half 39,689 320,378 625,559

Number of loans reported for first-half 2008 with initial rates of interest 10% to 12% or greater. Number of loans reported for second-half 2008 with initial rates of interest 10% to 12% or greater

0

0

2

0

662

660

40

EXHIBIT B

STATE CHARTERED THRIFTS; STATE CHARTERED BANKS, STATE LICENSED MORTGAGE

SERVICERS, And REPORTING LOAN FORECLOSURES WITHIN EIGHTEEN MONTHS OF LOAN ORIGINATION FOR 2008

REPORTING INCLUDES July 1ST THRU December 31st, 2008

SCTS SCBS SLMS

Number of institutions reporting for the second-half 39 115 434

*Number of foreclosures within eighteen months of loan origination for first-half of 2008. Number of foreclosures within eighteen months of loan origination for the second-half reporting of 2008

4

1

26

23

1,120

536

Number of loans second-half

39,689 320,378 625,559

*See (Appendix D) for complete analysis.

41

PART 111

EXHIBIT C

AN ANALYSIS OF 2008 FORECLOSURE RATE FILINGS FOR THE STANDARD METROPOLITAN SERVICE AREA *(SMSA, S) versus STATE OF ILLINOIS FORECLOSURE RATE

COUNTIES POPULATION Percent of Illinois Population

Reported 2008 SMSA Foreclosure

Filings

Total Foreclosures Filings 2008

Cook 5,350,269 43.0% 43,877

Du Page 912,044 7.3% 4,702

Lake 666,111 5.3% 4,747

Will 536,416 4.2% 5,815

Mc Henry 270,504 1.6% 2,315

Kane 425,545 3.4% 4,015

Totals 8,155,889 65.3% 65,471

State of Illinois 12,482,301 100% 100,262 ** 29,862 *

The total foreclosure filings reported by institutions regulated by the Illinois Department of Financial and Professional Regulation (IDFPR), Division of Banking, for the year 2008 was 29,862. The (SMSA) reported 65,471 foreclosure filings for the same period. Therefore, the State Chartered Thrifts, Banks and Licensed Mortgagees regulated by the Division of Banking accounted for 29.7% foreclosures, versus 70.3% foreclosure filings not regulated by IDFPR. The actual foreclosure filings for institutions regulated by IDFPR increased from 29,763 in 2007 to 29,862 in 2008 and increase of 0.33%. The foreclosure filings initiated for the SMSA six county areas were 47,567 for 2007 and 65,471 for 2008 and increase of 37.6%. • This number comes from reports filed with IDFPR, (DOB).

** Extrapolation based on 6 county data.

42

EXHIBIT D

AN ANALYSIS OF 2007 FORECLOSURE RATE FILINGS FOR THE STANDARD METROPOLITAN

SERVICE AREA *(SMSA, S) versus STATE OF ILLINOIS FORECLOSURE RATE.

COUNTIES POPULATION % Of IL Population Reported 2007

SMSA Foreclosure Filings

Total IDFPR Foreclosures 2007

Cook 5,350,269 43.0% 32,651

Du Page 912,044 7.3% 3,141

Lake 666,111 5.3% 3,241

Will 536,416 4.2% 4,314

Mc Henry 270,504 1.6% 1,549

Kane 425,545 3.4% 2,671

Totals 8,155,889 65.3% 47,567

State of Illinois 12,482,301 100.0% **72,844 *29,763

*The total foreclosure filings reported by institutions regulated by IDFPR, Division of Banking (DOB), for the year 2007 were 29,763. The (SMSA) reported 47,567 foreclosure filings for the same time period. Therefore, the State Chartered Thrifts, Banks and Licensed Mortgagees regulated by DOB accounted for 40.9% of foreclosures, versus 59.1% foreclosure filings by institutions not regulated by DOB. The database of all reporting SMSA, S is not programmed to gather completed foreclosures, only foreclosure filings.

*This number comes from reports filed with IDFPR.

** Extrapolation based on 6 county data.

43

PART lV

DOLLAR AMOUNT OF LOANS IN PORTFOLIO VS DOLLAR AMOUNT OF FORECLOSURES FILED AND FORECLOSURES COMPLETED FOR 2008

State Chartered Thrifts: The first half of 2008 had a loan portfolio of 3.1B with 7.1M in foreclosures filed and 2.6M foreclosures closed. The second half of 2008 had a loan portfolio of 3.1 B with 9.2 M in foreclosures filed and 7.2M in foreclosures closed. Chartered Commercial Banks: The first half of 2008 had a loan portfolio of 25.7B with 85.4M in foreclosures filed and 26.9M closed. The second half of 2008 had a loan portfolio of 28.9B with 105.7M in foreclosures filed and 37.5M in foreclosures closed. State Licensed Mortgage Services: The first half of 2008 had a loan portfolio of 98B with 2.9B foreclosures filed and 1.2B foreclosures closed. The second half of 2008 had a loan portfolio of 105B with 2.5B in foreclosures filed and 1.1B in foreclosures closed.

AVERAGE LOAN SIZE VERSUS AVERAGE LOAN SIZE OF FORECLOSURE FILED State Chartered Thrifts: The first half 2008 the foreclosure rate was 0.08% on an average foreclosure loan size of 73K versus the second half which had a foreclosure rate of 0.15% on an average loan size of 79K. State Chartered Commercial Banks: The first half of 2008 had a foreclosure rate of 0.16 % on an average foreclosure loan size of 75K versus the second half which had a foreclosure rate of 0.20% on an average loan size of 89K. State Licensed Mortgage Services: The first half of 2008 had a foreclosure rate of 2.26% on an average foreclosure loan size of 145K versus the second half which had an a foreclosure rate of 2.10% on an average loan size of 169K.

44

DOLLAR AMOUNT OF LOANS IN PORTFOLIO VERSUS DOLLAR AMOUNT OF

FORECLOSURES FILED AND FORECLOSURES COMPLETED FOR 2007 *

State Chartered Thrifts: The first half of 2007 had a loan portfolio of 3.1B with 2.3M in foreclosures filed and 1.0 M foreclosure completed. The second half had a loan portfolio of 3.1B and 6.5M in foreclosures filed and 1.9M foreclosures completed. (See Exhibit E). Chartered Commercial Banks: The first half of 2007 had a loan portfolio of 24.2 B with 44.8M in foreclosure filed and 14.4M foreclosures completed. The second half had a loan portfolio of 28.5B with 55M foreclosures filed and 26M in foreclosures completed. State Licensed Mortgage Services: The first half of 2007 had a loan portfolio of 91.6B with 2.1B in foreclosures filed and 657M foreclosures completed. The second half of had a loan portfolio of 98.0B with 2.9B in foreclosures filed and 1.1B in foreclosures completed.

AVERAGE LOAN SIZE FOR LOANS IN FORECLOSURE FILED State Chartered Thrifts: For the first half 2007 the foreclosure rate was 0.07% on an average loan of 70K versus the second half which had a foreclosure rate of 0.13% on an average loan of 73K. State Chartered Commercial Banks: First half of 2007 had a foreclosure rate of .0.13% on an average loan of 78K versus the second half which had a foreclosure rate of 0.16% on an average loan of 90K. State Licensed Mortgage Services: First half of 2007 had a foreclosure rate of 2.00% on an average loan of 148K versus the second half which had a foreclosure rate of 2.50% on an average loan of 153K. *See (Exhibit E and F), for analysis of foreclosure reports for 2008 and 2007).

45

EXHIBIT E

ANALYSIS OF FORECLOSURE REPORTS 2008

Dollar Amount of Loans in Portfolios Dollar Amount of Loans in Foreclosure Filed

1st Half of 2008 2nd Half of 2008 1st Half of 2008 2nd Half of 2008

State Chartered Thrifts $3,180,433,514 $3,146,087,173 $7,107,937 $9,252,920

State Chartered Banks $25,727,240,606 $28,590,422,287 $85,488,312 $105,733,230

Licensed Mortgage Services $98,183,509,450 $105,978,154,787 $2,951,868,830 $2,507,248,257

Percentage of Loans IN Foreclosure Percentage of Loans NOT in

Foreclosure


State Chartered Thrifts 0.08% 0.15% 99.92% 99.85%

State Chartered Banks 0.16% 0.20% 99.84% 99.80%

Licensed Mortgage Services 2.26% 2.10% 97.74% 97.90%

46

PART V

EXHIBIT F

ANALYSIS OF FORECLOSURE REPORTS 2007

Dollar Amount of Loans in Portfolios Dollar Amount of Foreclosures Filed


State Chartered Thrifts $3,110,705,934 $3,118,627,093 $2,358,569 $6,557,196

State Chartered Banks $24,270,846,073 $28,598,576,959 $44,844,361 $55,955,761

Licensed Mortgage Services $91,671,997,141 $98,977,891,480 $2,109,922,111 $2,991,341,720

Percentage of Loans IN Foreclosure Filed Percentage of Loans NOT in

Foreclosure Filed


State Chartered Thrifts 0.07% 0.13% 99.93% 99.87%

State Chartered Banks 0.13% 0.16% 99.87% 99.84%

Licensed Mortgage Services 2.00% 2.50% 98.00% 97.50%

47

Part Vl

DEFAULT AND FORECLOSURE REPORT JANUARY 1, 2008 - JUNE 30, 2008

1 (A) 1 (B) 2(A) 2(B) 3(A) 3(A) 3(B) 3(B) Loans Originated Loans With

Institution Dollar Amount Number Dollar Amount Loans Dollar Amount of Dollar Amount of Foreclosures Foreclosures Within 18 Mo. Of Frcl. Rate Greater 10%

Type of loans of loans of Loans In Default In Default Foreclosures Filed Foreclosures Closed Filed Closed As Reported in #3 As Reported in #3

T 41 3,180,433,514 43,230 28,438,145 258 7,107,937 2,622,964 54 35 4 0

M 111 98,183,509,450 675,379 11,459,425,385 49,122 2,951,868,830 1,210,415,127 15,267 6,476 1,120 662

S 440 25,727,240,606 340,702 183,046,045 2,014 85,488,312 26,935,149 549 265 26 2

Total 592 127,091,183,570 1,059,311 11,670,909,575 51,394 3,044,465,079 1,239,973,240 15,870 6,776

T Allied First Bank, sb 8727358 2208 0 0 0 773226 0 2 0 0T American Union Savings and Loan Association, sb 1659836 15 0 0 0 0 0 0 0 0T Arcola Homestead Savings Bank 1317357 25 0 0 0 0 0 0 0 0T Beardstown Savings, s.b. 23855731 584 627286 9 271854 236014 4 3 1 0T Capaha Bank, S.B. 5906539 164 112677 4 0 0 0 0 0 0T Columbus Savings Bank 4529459 36 0 0 0 0 0 0 0 0T Community Savings Bank 179623447 2005 418165 4 452236 0 4 0 0 0T DeWitt Savings Bank 49371881 810 385444 8 172422 58008 3 1 0 0T Eureka Savings Bank 210772500 3189 2639187 34 307900 60000 4 1 0 0T First Bank & Trust, S.B. 148004164 2670 459276 13 245365 110450 5 2 0 0T First Savanna Savings Bank 6061000 138 214000 5 0 0 0 0 0 0T First Savings Bank 22721500 425 240500 13 0 38663 0 1 0 0T First Savings Bank of Hegewisch 199194658 1883 500110 5 240887 129673 3 1 0 0T Flora Savings Bank 12031500 323 240500 6 0 0 0 0 0 0T George Washington Savings Bank 66393500 505 591500 5 0 0 0 0 0 0T Harvard Savings Bank 92646607 1059 941239 8 0 0 0 0 0 0T Hoyne Savings Bank 188071535 1727 472131 3 102996 0 1 0 0 0T Jacksonville Savings Bank 215199777 4183 942953 16 375840 409389 8 12 1 0T Liberty Bank for Savings 236539826 1724 919737 3 0 0 0 0 0 0T Lincoln Park Savings Bank 105974003 894 2063139 7 0 126717 0 1 0 0T Lincoln State Bank, S.B. 73026276 649 389590 4 182581 0 1 0 0 0T Lisle Savings Bank 368162523 3238 10316227 28 3470644 389086 7 2 0 0T Marion County Savings Bank 36447624 906 368382 9 25961 25961 1 1 0 0T McHenry Savings Bank 172850291 1648 2458635 9 0 0 0 0 0 0T Milford Building and Loan Association 14529097 495 121042 4 40833 2 2 2 2 0T Nashville Savings Bank 9302000 155 193000 4 0 0 0 0 0 0T Nokomis Savings Bank 718000 22 0 0 0 0 0 0 0 0T North County Savings Bank 17215155 201 0 0 0 0 0 0 0 0T Pulaski Savings Bank 33948711 306 0 0 0 0 0 0 0 0T Royal Savings Bank 23705012 298 0 0 0 0 0 0 0 0T Security Bank, S.B. 149205749 2759 46415 3 70578 225473 3 4 0 0T Security Savings Bank 32871725 1007 416425 18 16000 0 1 0 0 0T South End Savings, s.b. 15829548 167 0 0 0 0 0 0 0 0T Streator Home Building and Loan Association 57148120 1256 75405 2 34874 34874 1 1 0 0T Tremont Savings Bank 31840322 527 221824 7 0 0 0 0 0 0T Twin Oaks Savings Bank 49271202 548 2714 1 0 5428 0 1 0 0T Union Savings Bank 112763948 1659 868427 14 147983 0 2 0 0 0T Wabash Savings Bank 3152000 94 2 1 0 0 0 0 0 0T Washington Savings Bank 75904500 1474 243050 7 0 0 0 0 0 0T Waukegan Savings Bank 93984166 1004 30538 1 30358 0 1 0 0 0T West Town Savings Bank 29955367 250 918625 3 918625 0 3 0 0 0

41 3,180,433,514 43,230 28,438,145 258 7,107,937 2,622,964 54 35 4 0

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Type of loans of loans of Loans In Default In Default Foreclosures Filed Foreclosures Closed Filed Closed As Reported in #3 As Reported in #3

S 1St Community Bank 6488902 113 0 0 0 0 0 0 0 0S 1St Equity Bank 24144825 128 0 0 0 0 0 0 0 0S 1st Equity Bank Northwest 13799665 47 0 0 0 0 0 0 0 0S 1st State Bank of Mason City 3372000 123 0 0 0 0 0 0 0 0S All American Bank 2352668 30 0 0 0 0 0 0 0 0S Allegiance Community Bank 0 0 0 0 0 0 0 0 0 0S Alpha Community Bank 54817583 775 23659 6 0 543656 0 4 0 0S Alpine Bank & Trust Co. 689369402 9276 2204199 24 977750 87180 9 2 0 0S Amalgamated Bank of Chicago 30541672 447 34716 1 34716 34716 1 1 0 0S American Chartered Bank 301043439 1932 3423000 3 649859 117500 1 1 0 0S American Community Bank & Trust 25604230 305 48892 1 0 0 0 0 0 0S American Eagle Bank 4072757 35 0 0 0 0 0 0 0 0S American Eagle Bank of Chicago 799186 3 0 0 0 0 0 0 0 0S American Enterprise Bank 32803207 221 99000 1 0 0 0 0 0 0S American Heartland Bank and Trust 11490185 46 307807 1 307807 0 1 0 0 0S American Metro Bank 11449446 72 549837 3 0 0 0 0 0 0S Americaunited Bank and Trust Company USA 59245828 641 489757 2 34375 0 1 0 0 0S Anchor State Bank 870933 22 7717 1 0 0 0 0 0 0S Andalusia Community Bank 19324574 254 134344 1 0 0 0 0 0 0S Anderson State Bank 5547766 121 0 0 0 0 0 0 0 0S Anna State Bank 12743325 268 170114 4 0 0 0 0 0 0S Apple River State Bank 71451858 979 243065 4 0 0 0 0 0 0S Archer Bank 659950 13 0 0 0 0 0 0 0 0S Area Bank 11338732 266 299473 10 0 0 0 0 0 0S Athens State Bank 25358125 375 0 0 0 0 0 0 0 0S Austin Bank of Chicago 15837979 177 0 0 0 0 0 0 0 0S AztecAmerica Bank 19425842 110 553439 1 520000 0 1 0 0 0S Bank & Trust Company 53975800 1093 229656 6 0 73157 0 1 0 0S Bank of Belleville 6066425 103 0 0 0 0 0 0 0 0S Bank of Bluffs 9050849 256 141858 4 0 0 0 0 0 0S Bank of Bourbonnais 10936624 109 0 0 0 0 0 0 0 0S Bank of Calhoun County 20888243 1567 80514 5 66237 24783 3 1 0 0S Bank of Chestnut 4523005 101 0 0 0 0 0 0 0 0S Bank of Dwight 8697599 165 201944 4 99000 99000 1 1 0 0S Bank of Farmington 13317130 239 55244 3 0 0 0 0 0 0S Bank of Gibson City 4510956 107 0 0 0 0 0 0 0 0S Bank of Illinois 34505208 400 569483 6 330534 0 3 0 0 0S Bank of Kampsville 19707655 414 65146 2 0 0 0 0 0 0S Bank of Lincolnwood 31549073 217 5235 1 0 0 0 0 0 0S Bank of Modesto 2541252 75 24725 2 0 0 0 0 0 0S Bank of Montgomery 7691521 76 0 0 0 0 0 0 0 0S Bank of O'Fallon 88963995 950 59536 2 0 0 0 0 0 0S Bank of Palatine 13605001 103 768500 7 0 0 0 0 0 0S Bank of Pontiac 114686032 2495 1206176 19 1893014 312305 7 1 0 0S Bank of Quincy 54812861 657 65479 2 0 0 0 0 0 0S Bank of Rantoul 13494000 239 0 0 0 22300 0 1 0 0S Bank of Shorewood 17831741 314 813768 2 813768 0 2 0 0 0S Bank of Springfield 518027089 7241 1882585 12 502185 265204 6 3 0 0S Bank of Stronghurst 6488994 167 0 0 0 0 0 0 0 0S Bank of Yates City 5167609 108 175036 3 0 0 0 0 0 0S BankOrion 26627540 515 151855 1 0 0 0 0 0 0S Banterra Bank 144074000 3537 312000 5 127000 2842176 4 12 0 0S Belmont Bank & Trust Company 11439997 32 0 0 0 0 0 0 0 0S Benchmark Bank 17748356 279 629830 8 0 0 0 0 0 0S Better Banks 35278017 402 55864 1 80000 0 1 0 0 0S Blackhawk Bank & Trust 92423790 1610 437773 7 120646 0 4 0 0 0S Brickyard Bank 9540275 34 1660669 2 2509110 1054360 2 1 0 0S Bridgeview Bank Group 64576054 228 470864 2 0 0 0 0 0 0S Brimfield Bank 12382066 185 0 0 0 0 0 0 0 0S Broadway Bank 37483528 85 1428091 3 0 0 0 0 0 0

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Type of loans of loans of Loans In Default In Default Foreclosures Filed Foreclosures Closed Filed Closed As Reported in #3 As Reported in #3S Brown County State Bank 16940402 349 34000 1 68164 0 1 0 0 0S Buckley State Bank 1365000 30 0 0 0 0 0 0 0 0S Buffalo Prairie State Bank 1076368 19 0 0 90000 0 1 0 0 0S Builders Bank 50000 1 0 0 0 0 0 0 0 0S Burling Bank 22674595 95 0 0 0 0 0 0 0 0S Busey Bank 1204537480 18561 11351381 266 1312567 33613 21 1 0 0S Byron Bank 242931641 4268 1329861 16 301500 50000 1 1 0 0S Camp Grove State Bank 312211 5 0 0 0 0 0 0 0 0S Campus State Bank 5462467 97 206141 4 84000 0 1 0 0 0S Carrollton Bank 209240993 2976 571386 7 491667 67870 5 1 0 0S Casey State Bank 37627136 835 110564 2 46500 46500 1 1 0 0S Central Bank 7366459 177 388341 7 0 0 0 0 0 0S Central Bank Illinois 106210538 1449 1551229 15 0 0 0 0 0 0S Central Illinois Bank 22268677 665 29372 1 44936 87764 1 1 0 0S Central State Bank 37581698 739 1629125 23 401600 166860 2 2 0 0S Centrue Bank 561819407 9078 2359188 48 1777988 1033369 21 15 0 0S Chesterfield State Bank 2733192 90 11163 1 0 0 0 0 0 0S Chicago Community Bank 3740684 54 60506 1 0 0 0 0 0 0S Cissna Park State Bank 2339668 54 0 0 0 0 0 0 0 0S Citizens Bank & Trust Company of Chicago 3374000 24 350000 2 107000 0 1 0 0 0S Citizens Bank of Chatsworth 3954000 176 0 0 0 0 0 0 0 0S Citizens Bank of Edinburg 3174399 73 75475 2 71654 0 2 0 0 0S Citizens Community Bank 55657886 846 1495000 21 559000 0 5 0 0 0S Citizens Community Bank of Illinois 489113 6 0 0 364800 0 1 0 0 0S Citizens First State Bank of Walnut 17755512 278 128856 2 50451 0 1 0 0 0S Citizens State Bank 12227952 298 77517 2 0 0 0 0 0 0S Citizens State Bank of Cropsey 3342851 66 70374 2 0 21713 0 1 0 0S Citizens State Bank of Milford 1597959 26 0 0 0 0 0 0 0 0S Citizens State Bank of Shipman 5656432 147 42594 2 0 0 0 0 0 0S Clay County State Bank 7533467 212 59317 4 0 0 0 0 0 0S Colchester State Bank 6223944 170 46954 2 0 0 0 0 0 0S Cole Taylor Bank 75520266 961 1849792 40 827537 1200000 5 1 0 0S Commercial State Bank of Waterloo 128608315 1356 2384335 14 2655893 0 7 0 0 0S Community Bank 22547111 370 169219 3 0 62000 0 1 0 0S Community Bank 810200 21 282436 11 41966 41966 1 1 0 0S Community Bank of DuPage 56886 1 0 0 0 0 0 0 0 0S Community Bank of Easton 2535003 34 0 0 0 0 0 0 0 0S Community Bank of Elmhurst 12006000 72 0 0 0 0 0 0 0 0S Community Bank of Galesburg 11872170 210 15624 1 176806 0 2 0 0 0S Community Bank of Lemont 5969113 39 227854 1 0 0 0 0 0 0S Community Bank of Oak Park River Forest 18536000 75 933000 4 0 0 0 0 0 0S Community Bank of Trenton 22107555 326 79389 1 0 0 0 0 0 0S Community Banks of Shelby County 3876948 112 0 0 0 0 0 0 0 0S Community Bank-Wheaton/Glen Ellyn 76698733 890 341766 3 171781 0 1 0 0 0S Community First Bank 766420 9 155837 1 0 0 0 0 0 0S Community First Bank - Chicago 6591897 35 0 0 0 0 0 0 0 0S Community First Bank of the Heartland 8070500 166 0 0 0 0 0 0 0 0S Community State Bank 10574733 268 133250 3 37200 0 1 0 0 0S Community State Bank of Plymouth 475724 25 0 0 0 0 0 0 0 0S Community State Bank of Rock Falls 32173217 692 218723 5 213167 358137 3 6 0 0S Community Trust Bank 14237699 330 0 0 64585 0 2 0 0 0S Corn Belt Bank and Trust Company 15533222 148 2057982 8 83045 25541 2 1 0 0S Country Bank 2492098 44 0 0 0 0 0 0 0 0S Covenant Bank 590082 13 0 0 76660 0 1 0 0 0S Crossroads Bank 11315807 222 43094 1 0 0 0 0 0 0S Delaware Place Bank 25908916 84 1193125 2 308537 0 1 0 0 0S Devon Bank 34671247 556 453500 3 0 167000 0 2 0 0S Dewey State Bank 2978092 68 5193 1 0 0 0 0 0 0S Du Quoin State Bank 17161695 384 131943 4 21097 0 1 0 0 0S Durand State Bank 14845078 239 446660 4 371889 0 3 0 0 0S Edens Bank 1894834 9 0 0 0 0 0 0 0 0

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Type of loans of loans of Loans In Default In Default Foreclosures Filed Foreclosures Closed Filed Closed As Reported in #3 As Reported in #3S Edgebrook Bank 28258079 118 0 0 0 265000 0 1 0 0S Elkville State Bank 805500 31 0 0 0 0 0 0 0 0S Erie State Bank 6276560 89 16788 1 0 0 0 0 0 0S Evergreen Bank Group 51643412 805 0 0 0 0 0 0 0 0S Exchange State Bank 6731939 155 289732 1 0 0 0 0 0 0S Fairview State Banking Company 3427501 110 1677 1 0 0 0 0 0 0S Family Bank and Trust Co. 13762393 93 217689 11 0 0 0 0 0 0S Farmer City State Bank 13891239 248 57446 1 0 0 0 0 0 0S Farmers & Merchants Bank of Hutsonville 4038220 98 0 0 0 0 0 0 0 0S Farmers and Merchants State Bank of Bushnell 13527550 295 0 0 0 34988 0 1 0 0S Farmers and Traders State Bank 5830849 68 0 0 0 0 0 0 0 0S Farmers State Bank 11042177 211 86351 1 0 0 0 0 0 0S Farmers State Bank 64390543 1245 0 0 0 0 0 0 0 0S Farmers State Bank & Trust Co 7075613 161 22780 1 0 0 0 0 0 0S Farmers State Bank of Alto Pass, Illinois 43735824 992 774736 9 586840 62241 2 2 0 0S Farmers State Bank of Camp Point 3531000 87 0 0 0 0 0 0 0 0S Farmers State Bank of Danforth 3784503 137 36932 1 0 0 0 0 0 0S Farmers State Bank of Emden 663000 14 0 0 0 0 0 0 0 0S Farmers State Bank of Fulton County 8157000 192 81000 1 0 0 0 0 0 0S Farmers State Bank of Hoffman 22820211 655 573945 7 0 62992 0 1 0 0S Farmers State Bank of Medora 720141 31 0 0 0 0 0 0 0 0S Farmers State Bank of Sublette 5085018 103 35492 1 30479 0 1 0 0 0S Farmers State Bank of Western Illinois 13817464 428 185168 5 0 0 0 0 0 0S Farmers State Bank, Astoria 3350101 136 0 0 0 0 0 0 0 0S Fayette County Bank 1162439 31 0 0 0 0 0 0 0 0S Federated Bank 6798901 243 0 0 0 0 0 0 0 0S First American Bank 827645698 18161 801484 11 1200240 1412900 16 6 2 0S First Bank & Trust 27181057 85 0 0 0 0 0 0 0 0S First Bank and Trust Company of Illinois 0 0 0 0 0 0 0 0 0 0S First Bank of Highland Park 72610323 504 1266870 1 1266870 0 1 0 0 0S First Bank of Manhattan 31182594 476 0 0 0 0 0 0 0 0S First Chicago Bank & Trust 97444500 544 1542447 9 0 0 0 0 0 0S First Choice Bank 42574459 457 979030 5 0 314000 0 2 0 0S First Collinsville Bank 194766782 2329 1023446 10 1860420 885017 19 7 0 0S First Community Bank 15793036 190 0 0 0 0 0 0 0 0S First Community Bank and Trust 19965050 235 0 0 0 0 0 0 0 0S First Community Bank of Hillsboro 15205340 320 45330 1 45330 0 1 0 0 0S First Community Bank of Joliet 17372792 203 0 0 0 0 0 0 0 0S First Community Bank, Xenia-Flora 7280430 189 29323 3 25169 0 1 0 0 0S First Community State Bank 38700125 541 229200 1 0 0 0 0 0 0S First County Bank 221178607 3659 668801 5 438522 92267 5 1 0 0S First DuPage Bank 21855750 37 0 0 0 0 0 0 0 0S First Eagle Bank 24425686 114 0 0 0 0 0 0 0 0S First Farmers State Bank 17007238 252 169487 3 169487 56000 3 1 0 0S First Illinois Bank 3557281 39 0 0 0 0 0 0 0 0S First Midwest Bank 498298305 9142 7784902 101 2852959 673720 35 7 0 0S First Nations Bank 26266407 206 169681 1 0 169681 0 1 0 0S First Personal Bank 36230517 226 666476 2 666476 0 2 0 0 0S First Security Bank 13259647 206 173245 4 0 0 0 0 0 0S First Security Trust and Savings Bank 50707000 325 3718000 23 0 0 0 0 0 0S First Southern Bank 55397614 1037 145895 4 67073 0 1 0 0 0S First State Bank 213577023 2104 810670 11 223225 223225 1 1 1 0S First State Bank 100527964 1363 460027 10 0 69869 0 1 0 0S First State Bank of Beardstown 10802000 341 350000 12 0 0 0 0 0 0S First State Bank of Beecher City 11933381 350 423135 15 0 0 0 0 0 0S First State Bank of Biggsville 3007121 79 242329 6 0 0 0 0 0 0S First State Bank of Bloomington 17501361 308 0 0 0 0 0 0 0 0S First State Bank of Campbell Hill 21811748 473 278867 8 71000 116362 1 2 0 1S First State Bank of Dix 14187704 308 243777 4 97518 0 1 0 0 0S First State Bank of Forrest 30868606 1164 345514 8 0 0 0 0 0 0S First State Bank of Olmsted 6060068 138 109510 3 0 0 0 0 0 0

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Type of loans of loans of Loans In Default In Default Foreclosures Filed Foreclosures Closed Filed Closed As Reported in #3 As Reported in #3S First State Bank of Red Bud 56872948 748 419102 7 25790 0 2 0 0 0S First State Bank of St Peter 2080298 70 0 0 0 0 0 0 0 0S First State Bank of Van Orin 2666537 57 0 0 0 0 0 0 0 0S First State Bank of West Salem 1716899 56 36130 2 0 0 0 0 0 0S First State Bank of Western Illinois 19950500 704 4606 1 0 0 0 0 0 0S First State Bank Shannon-Polo 44850534 730 0 0 0 0 0 0 0 0S First Trust & Savings Bank of Albany, Illinois 23646520 409 138353 3 105593 37003 1 1 0 0S First Trust Bank of Illinois 66338158 852 206046 2 0 0 0 0 0 0S First United Bank 122264878 1160 133092 1 0 0 0 0 0 0S Flanagan State Bank 16369352 942 117190 2 153706 122193 2 2 0 0S Flora Bank & Trust 13066828 347 101561 9 0 32772 0 2 0 0S Forreston State Bank 11932729 258 185722 5 161256 59000 2 1 0 0S Founders Bank 39378500 448 57000 1 1117000 345000 4 3 0 0S Franklin Bank 6303853 133 0 0 0 0 0 0 0 0S Franklin Grove Bank 3222039 51 0 0 0 0 0 0 0 0S Freedom Bank 913654 22 0 0 0 0 0 0 0 0S Galena State Bank & Trust Co. 43505675 807 185341 2 0 0 0 0 0 0S Gateway Community Bank 4332302 69 295437 1 295437 219381 7 6 0 0S German-American State Bank 24348000 517 294000 2 0 0 0 0 0 0S Germantown Trust & Savings Bank 45738425 895 0 0 0 0 0 0 0 0S Glasford State Bank 7442653 182 0 0 0 0 0 0 0 0S Glenview State Bank 210292500 1649 0 0 0 0 0 0 0 0S Gold Coast Bank 28000500 124 0 0 0 0 0 0 0 0S Golden Eagle Community Bank 10183500 11 0 0 0 0 0 0 0 0S Goodfield State Bank 7578402 110 0 0 0 0 0 0 0 0S Grand Rivers Community Bank 3946974 76 0 0 0 0 0 0 0 0S Grundy Bank 168317260 1969 844168 7 578789 156189 5 3 0 0S H F Gehant Banking Co 9625773 148 0 0 0 0 0 0 0 0S Hardware State Bank 1893739 42 0 0 0 0 0 0 0 0S Hartsburg State Bank 1561203 35 0 0 0 0 0 0 0 0S Heartland Bank and Trust Company 859450475 9401 1193362 8 1512098 397660 15 7 0 0S Henry State Bank 9059000 207 67000 2 0 0 0 0 0 0S Heritage Bank of Central Illinois 38777779 834 0 0 0 0 0 0 0 0S Heritage Bank of Schaumburg 36550500 345 0 0 0 0 0 0 0 0S Heritage Community Bank 60211508 805 1088878 3 2267760 0 1 0 0 0S Heritage State Bank 7758697 173 0 0 0 0 0 0 0 0S Herrin Security Bank 22483384 500 590780 22 1322998 43731 12 1 0 0S Highland Community Bank 10504010 115 0 0 0 0 0 0 0 0S Hinsdale Bank & Trust Company 66288000 291 1091982 2 1091982 0 2 0 0 0S Holcomb State Bank 15753489 549 0 0 0 42689 0 1 0 0S HomeStar Bank and Financial Services 713890740 7913 2996360 29 1427940 1016712 13 15 9 0S Hyde Park Bank and Trust Company 13149885 40 118306 1 0 0 0 0 0 0S Illini Bank 86723390 1536 479971 9 114172 0 2 0 0 0S Illini State Bank 15772837 256 88917 3 0 0 0 0 0 0S InBank 32571633 297 1125938 4 0 217784 0 1 0 0S Independent Bankers' Bank 472067 2 0 0 0 0 0 0 0 0S Inland Bank and Trust 87233871 776 167921 1 151127 0 2 0 0 0S International Bank of Chicago 23550886 128 150826 1 0 0 0 0 0 0S Ipava State Bank 12943000 300 9000 1 17000 0 1 0 0 0S Iroquois Farmers State Bank 4470237 115 89464 2 0 0 0 0 0 0S Itasca Bank & Trust Co 32895269 178 341540 3 135877 0 1 0 0 0S Jersey State Bank 55164134 909 59217 1 77965 160965 1 3 0 0S Joy State Bank 7863519 218 244305 3 0 0 0 0 0 0S Kenney Bank and Trust 78848 7 0 0 0 0 0 0 0 0S Kent Bank 21495977 488 1541265 9 195676 0 2 0 0 0S Kinderhook State Bank 2452646 65 97749 2 94535 94535 1 1 0 0S La Salle State Bank 21825869 529 264294 5 105422 0 2 0 0 0S Lake Forest Bank & Trust Company 393474162 2742 487314 2 0 0 0 0 0 0S Lakeside Bank 67343584 192 0 0 0 0 0 0 0 0S Laura State Bank 1076147 33 94845 1 0 0 0 0 0 0S Legence Bank 9408423 298 28945 2 0 25000 0 1 0 0

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Type of loans of loans of Loans In Default In Default Foreclosures Filed Foreclosures Closed Filed Closed As Reported in #3 As Reported in #3S Lena State Bank 4546949 87 0 0 0 0 0 0 0 0S Liberty Bank 90113424 1626 542972 4 48448 0 1 0 0 0S Libertyville Bank & Trust Company 148385685 1265 14076 1 0 0 0 0 0 0S LincolnWay Community Bank 478734 7 0 0 0 0 0 0 0 0S Logan County Bank 6448460 164 143241 3 0 60278 0 1 0 0S Longview State Bank 9377747 144 0 0 0 0 0 0 0 0S MainSource Bank of Illinois 15437000 275 494000 5 44327 0 1 0 0 0S Marine Bank & Trust 32819394 731 187710 9 0 0 0 0 0 0S Marine Bank, Springfield 488784000 4968 1116000 15 865000 1038000 11 12 0 0S Maroa Forsyth Community Bank 42082000 653 79000 13 0 0 0 0 0 0S Marquette Bank 389996000 3891 1376000 6 253000 0 2 0 0 0S Marseilles Bank 12234000 161 123 3 0 0 0 0 0 0S Marshall County State Bank 3668649 79 0 0 0 0 0 0 0 0S Mazon State Bank 33681905 560 1056160 7 443600 0 2 0 0 0S Mercantile Bank 79797648 1678 295314 7 55000 52250 2 1 1 0S Merchants and Manufacturers Bank 8881209 86 0 0 0 0 0 0 0 0S Meridian Bank 6970791 83 87042 2 0 0 0 0 0 0S Metropolitan Bank and Trust Company 2290140 22 0 0 0 0 0 0 0 0S Metropolitan Capital Bank 10881366 59 0 0 0 0 0 0 0 0S Middletown State Bank 2653905 57 0 0 0 0 0 0 0 0S Midland Community Bank 10500000 263 0 0 0 0 0 0 0 0S Midland States Bank 30407000 420 838000 17 188018 188400 4 1 0 0S Midwest Bank and Trust Company 460222312 2981 16496676 32 5818355 0 20 0 0 0S Midwest Bank of Western Illinois 13544098 1171 38475 2 25500 25500 2 2 1 0S Midwest Community Bank 113449192 1696 26540 1 0 295820 0 4 0 0S Milledgeville State Bank 5879799 123 60620 1 0 0 0 0 0 0S Millennium Bank 770520 4 0 0 0 0 0 0 0 0S Morton Community Bank 512911547 8778 2124833 31 134000 0 1 0 0 0S Municipal Trust and Savings Bank 65740571 1095 609380 2 20920 1747159 1 2 0 0S Murphy-Wall State Bank and Trust Company 17518758 675 198541 3 74990 260500 2 3 0 0S Mutual Bank 57932000 176 4039344 3 3925000 0 1 0 0 0S New Century Bank 14475698 44 566274 2 0 0 0 0 0 0S New City Bank 13432200 49 968029 2 447967 0 1 0 0 0S NorStates Bank 77418000 958 4799000 13 0 0 0 0 0 0S North Adams State Bank 4059837 84 156464 3 0 0 0 0 0 0S North Bank 9431115 31 0 0 0 0 0 0 0 0S North Central Bank 28699000 538 120000 2 0 0 0 0 0 0S North Community Bank 2366124 16 20537 1 0 0 0 0 0 0S North Shore Community Bank & Trust Company 99649302 960 1693027 4 200000 0 1 0 0 0S Northbrook Bank & Trust Company 11241055 35 662344 4 0 0 0 0 0 0S Northside Community Bank 34111217 170 122000 1 0 0 0 0 0 0S Northwest Bank of Rockford 188768370 2594 867647 16 207585 324393 2 2 0 0S Northwest Community Bank 0 0 0 0 0 0 0 0 0 0S Oak Bank 84742462 764 0 0 0 0 0 0 0 0S Oakdale State Bank 4332000 106 0 0 0 0 0 0 0 0S Oswego Community Bank 22889000 192 0 0 0 0 0 0 0 0S Oxford Bank and Trust 49727758 726 407168 4 0 0 0 0 0 0S Pacific Global Bank 51833156 413 0 0 0 0 0 0 0 0S Palmer Bank 6032682 222 0 0 0 0 0 0 0 0S Palos Bank and Trust Company 35749378 556 830747 6 1082976 0 5 0 1 0S Pan American Bank 3013413 28 959568 1 959568 0 1 0 0 0S Park Ridge Community Bank 47987923 195 127382 1 127382 0 1 0 0 0S Parkway Bank and Trust Company 42897203 191 414897 2 0 0 0 0 0 0S Partners Bank 33051019 361 180000 2 180000 0 2 0 0 0S PeopleFirst Bank 9125870 56 0 0 0 0 0 0 0 0S Peoples Bank & Trust 14975568 379 703710 9 58744 85868 1 2 0 0S Peoples Bank of Kankakee County 105545000 14500 41254 1 41254 0 1 0 0 0S Peoples Bank of Macon 3516000 72 0 0 0 0 0 0 0 0S Peoples State Bank of Colfax 5036071 112 137513 2 0 0 0 0 0 0S Peotone Bank and Trust Company 24113500 154 16500 1 0 0 0 0 0 0S Petefish Skiles & Co 27569314 580 340271 5 563915 183152 5 3 1 0

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Type of loans of loans of Loans In Default In Default Foreclosures Filed Foreclosures Closed Filed Closed As Reported in #3 As Reported in #3S Philo Exchange Bank 10058352 175 0 0 0 0 0 0 0 0S Plaza Bank 193159 14 0 0 0 0 0 0 0 0S Port Byron State Bank 6654351 139 0 0 0 0 0 0 0 0S Prairie Community Bank 44563567 347 898866 3 678107 0 2 0 0 0S Prairie State Bank & Trust 105730302 1416 87493 3 30044 108849 1 2 0 0S Preferred Bank 10187186 228 187049 6 48333 0 1 0 0 0S Premier Bank 19060737 72 0 0 0 284385 0 1 0 0S Premier Bank of Jacksonville 51678360 1002 247584 7 40408 114328 1 3 0 0S Princeville State Bank 5230714 74 69593 2 0 0 0 0 0 0S Providence Bank, LLC 20733840 116 0 0 0 0 0 0 0 0S Raritan State Bank 22174785 487 534372 12 57511 0 2 0 0 0S Ravenswood Bank 15953046 56 0 0 0 0 0 0 0 0S Republic Bank of Chicago 49978296 391 548037 3 0 0 0 0 0 0S Reynolds State Bank 197451 7 0 0 0 0 0 0 0 0S Riverside Community Bank 37740270 792 932884 5 67604 0 1 0 0 0S Rochester State Bank 8747606 158 50837 1 0 0 0 0 0 0S Rock River Bank 7554500 81 12000 1 40000 0 1 0 0 0S Rockford Bank and Trust Company 16448675 122 84152 1 173118 0 1 0 0 0S Rushville State Bank 4838000 116 0 0 0 0 0 0 0 0S Sainte Marie State Bank 635453 16 31977 1 0 0 0 0 0 0S Sauk Valley Bank & Trust Company 44790305 646 63750 1 66440 0 2 0 0 0S Savanna-Thomson State Bank 6345417 175 48462 2 0 142920 0 4 0 0S Schuyler State Bank 4834000 97 0 0 0 0 0 0 0 0S Scott State Bank 13330919 370 451592 7 174382 0 4 0 0 0S Seaway Bank and Trust Company 71698583 670 1557428 16 145094 0 2 0 0 0S Shelby County State Bank 18565361 366 0 0 0 0 0 0 0 0S Sheridan State Bank 7244218 107 0 0 0 0 0 0 0 0S ShoreBank 286055011 1387 8236508 71 2229294 0 17 0 0 0S Sidell State Bank 860600 22 0 0 0 0 0 0 0 0S Signature Bank 2222428 7 0 0 0 0 0 0 0 0S South Side Trust & Savings Bank of Peoria 212182903 2997 543266 10 0 65505 0 1 0 0S Southern Illinois Bank 13664892 480 56487 1 0 0 0 0 0 0S SouthernTrust Bank 9411381 138 0 0 0 0 0 0 0 0S Soy Capital Bank and Trust Company 18667303 876 92443 2 92443 0 2 0 0 0S Spring Valley City Bank 58303745 1102 239082 6 84400 0 2 0 0 0S St. Charles Bank & Trust 1234605 1 0 0 0 0 0 0 0 0S Standard Bank and Trust Company 220740725 1995 2411952 18 107825 0 3 0 0 0S State Bank 136546000 1032 592430 5 666866 0 6 0 0 0S State Bank 4811915 101 0 0 0 0 0 0 0 0S State Bank of Arthur 8498108 395 192165 11 0 44494 0 2 0 1S State Bank of Ashland 16611690 320 49307 1 0 0 0 0 0 0S State Bank of Bement 6852340 117 212561 3 106676 106676 2 2 0 0S State Bank of Cerro Gordo 5756716 167 78800 2 0 0 0 0 0 0S State Bank of Cherry 14218500 219 0 0 0 0 0 0 0 0S State Bank of Chrisman 7316425 179 238125 4 49536 0 1 0 0 0S State Bank of Colusa 1873835 57 0 0 0 0 0 0 0 0S State Bank of Countryside 33523361 200 62531 1 0 0 0 0 0 0S State Bank of Davis 12276165 270 93923 2 27250 27250 1 1 0 0S State Bank of Graymont 13881802 386 0 0 40991 40991 1 1 0 0S State Bank of Herscher 77178741 1366 652342 8 61143 0 1 0 0 0S State Bank of Illinois 80339000 1395 29215 1 58430 40000 2 1 1 0S State Bank of Industry 4599756 119 27989 1 0 0 0 0 0 0S State Bank of Lincoln 296534753 4452 2043818 37 475808 446159 8 5 0 0S State Bank of Nauvoo 9026575 154 173050 3 0 0 0 0 0 0S State Bank of Niantic 15100000 350 350000 12 0 0 0 0 0 0S State Bank of Paw Paw, Illinois 4807500 52 0 0 0 0 0 0 0 0S State Bank of Prairie Du Rocher 13693500 271 2588 1 0 152657 0 1 0 0S State Bank of Saunemin 3045288 68 0 0 0 0 0 0 0 0S State Bank of Speer 15116377 352 235635 5 206701 0 4 0 0 0S State Bank of St Jacob 11014000 168 0 0 0 0 0 0 0 0S State Bank of The Lakes 254083903 2962 264683 2 212620 120165 2 1 0 0

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Type of loans of loans of Loans In Default In Default Foreclosures Filed Foreclosures Closed Filed Closed As Reported in #3 As Reported in #3S State Bank of Toulon 7706957 264 0 0 0 0 0 0 0 0S State Bank of Waterloo 37230500 498 169338 2 0 0 0 0 0 0S State Bank of Whittington 21124224 634 295151 6 43928 15887 2 2 0 0S State Street Bank and Trust Company 18379579 442 36027 1 0 0 0 0 0 0S STC Capital Bank 48098291 177 0 0 0 0 0 0 0 0S Strategic Capital Bank 4159414 34 0 0 0 0 0 0 0 0S Suburban Bank & Trust Company 22512569 181 820649 5 0 0 0 0 0 0S Table Grove State Bank 4734494 117 17349 1 0 0 0 0 0 0S Teutopolis State Bank 27218855 560 22835 1 0 0 0 0 0 0S Texico State Bank 1780796 43 0 0 0 0 0 0 0 0S The Bank of Carbondale 28418786 657 594645 8 0 141562 0 1 0 0S The Bank of Commerce 22028292 79 0 0 0 0 0 0 0 0S The Bank of Edwardsville 201618483 6983 1365598 41 678244 884212 9 11 3 0S The Bank of Herrin 41371000 717 423000 7 0 0 0 0 0 0S The Bank of Lawrence County 1628323 51 0 0 0 0 0 0 0 0S The Bank of Marion 20336084 507 12707 2 0 138248 0 2 0 0S The Clay City Banking Co 9445148 277 165535 3 0 0 0 0 0 0S The Edgar County Bank and Trust Co. 18571399 372 320085 9 0 0 0 0 0 0S The Elgin State Bank 13247615 75 0 0 0 0 0 0 0 0S The Elizabeth State Bank 12802000 169 22500 1 0 0 0 0 0 0S The Farmers and Mechanics Bank 79497291 1627 216049 2 63649 0 1 0 0 0S The Farmers Bank of Liberty 11805996 301 492958 7 0 0 0 0 0 0S The Farmers Bank of Mt Pulaski 9342877 170 254316 4 0 0 0 0 0 0S The Farmers State Bank and Trust Company 58945249 1094 581396 17 672700 0 8 0 0 0S The First Bank and Trust Company of Murphysboro 9023731 163 232773 2 215533 0 1 0 0 0S The First Commercial Bank 1268595 4 645286 3 11556587 280785 14 1 3 0S The First State Bank of Dongola 8482357 163 36635 3 0 0 0 0 0 0S The First State Bank of Winchester, Illinois 4089500 117

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